Dog Medical Insurance

Not only do we humans have health insurance, but dog medical insurance is available for our pets.



We looked into it after having a close call with our Sheltie, Kelsey. I know it's closing the barn door after the horse is gone, but there is always the future to look at. And we have an older dog that may need medical care later on.

So, based on our checking out a few of the better dog medical insurance programs, we have come up with some "what to look for" tips before you buy.

Look at what each insurance company has to offer. There should be a couple of plans available that offer basic, extended and wellness care.

Also, there should be a few riders to add to the plan, such as cancer, etc.

The coverage should be at least 70%. Less than that may not help much.

Look at plans that give a discounted premium for more than one dog in the family. A 10% reduction is average.

Check what the deductible will be. The lower the better, but, the premium may be higher for a lower deductible.

And look into the benefit amounts. Some have a maximum of, let's say, $1500 per incident and a max yearly of $8000.

Keep in mind that you still need to pay your veterinarian up front, then you will be reimbursed by the insurance company.

Just like with human insurance, you have to look carefully into what is covered and what is not, how much the premium will be, deductible and maximum amount allowed.

Let's say a company offers 3 plans. The first is for an accident. This might cover poisoning, broken bones, burns, etc. The premium is low but doesn't cover anything else.

The second plan adds any illness to the accident. Coverage can include lab tests, x rays, surgery, etc. The premium is a little higher.

The third plan covers wellness, or annual shots, physical exams, etc. along with illness and accident. This premium will be higher, but the benefit amount will be greater.

The bottom line is do your research if you plan on purchasing any dog medical insurance for your pet. Accidents, dog illness, and annual vaccinations do come up and you should be prepared.

However, be aware that there are scam artists out there and will think nothing of taking money from you in the guise of helping your dog. Check all companies out thoroughly before you decide.